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Citi Costco CLI to $36K

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Aim_High
Super Contributor

Re: Citi Costco CLI to $36K


@Gmood1 wrote:

Awesome @Aim_High !!

Congratulations on the fantastic CLI!!

 

@Remedios wrote:

@Aim_High  congrats 

 

@nuohlac wrote:

Congratulations on your CLI @Aim_High!!!

 

@Anonymous wrote:

Good for you.  Round of TP for the rest of us? 


Thanks everyone!  I love these lenders that let you put in for the soft pull CLI's every so often!  Gives you something to look forward to and makes you feel like you're making progress. 

 

@Anonymous, I know, right? Smiley Tongue  I don't have a huge household but I buy their TP by the case since it's a great bargain and I have room to store it!  When the big coronavirus "Panic Buy" hit, I was in fine shape for weeks while everyone else was scrambling!   

 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$898K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 11 of 45
CreditAggie
Community Leader
Super Contributor

Re: Citi Costco CLI to $36K

Congratulations on your Citi Costco CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 12 of 45
Wavester64
Valued Contributor

Re: Citi Costco CLI to $36K

Congrats @Aim_High on the CLI.  Smiley Happy

 

Question for you - you mentioned getting denied by Citi and now approved for CLI.

 

How long between both? I was denied for a CLI for Citi/Costco April 21st.

 

What would be the standard time to try again?






Potential Future Cards
Message 13 of 45
Anonymous
Not applicable

Re: Citi Costco CLI to $36K

Congratulations!

Message 14 of 45
AllZero
Mega Contributor

Re: Citi Costco CLI to $36K


@Gmood1 wrote:

Awesome @Aim_High !!

Congratulations on the fantastic CLI!!


@Gmood1  Nice signature! Smiley Very Happy

Message 15 of 45
Gmood1
Super Contributor

Re: Citi Costco CLI to $36K


@AllZero wrote:

@Gmood1 wrote:

Awesome @Aim_High !!

Congratulations on the fantastic CLI!!


@Gmood1  Nice signature! Smiley Very Happy


@AllZero 

Thanks my friend. I forgot how much trouble it is, to set one up! lol

Jeeezzz! I won't delete it again! Way too much time goofing around with it.Smiley LOL

I'll app for two more tradelines to round it out. lmao

Message 16 of 45
nuohlac
Valued Contributor

Re: Citi Costco CLI to $36K


@Gmood1 wrote:

@AllZero wrote:

@Gmood1 wrote:

Awesome @Aim_High !!

Congratulations on the fantastic CLI!!


@Gmood1  Nice signature! Smiley Very Happy


@AllZero 

Thanks my friend. I forgot how much trouble it is, to set one up! lol

Jeeezzz! I won't delete it again! Way too much time goofing around with it.Smiley LOL

I'll app for two more tradelines to round it out. lmao


+1 732DFF54-E2E6-43D8-8D5B-0BE29C4604FF.jpeg




Message 17 of 45
AllZero
Mega Contributor

Re: Citi Costco CLI to $36K


@Gmood1 wrote:

@AllZero wrote:

@Gmood1 wrote:

Awesome @Aim_High !!

Congratulations on the fantastic CLI!!


@Gmood1  Nice signature! Smiley Very Happy


@AllZero 

Thanks my friend. I forgot how much trouble it is, to set one up! lol

Jeeezzz! I won't delete it again! Way too much time goofing around with it.Smiley LOL

I'll app for two more tradelines to round it out. lmao


@Gmood1 On mobile it fits perfectly. On desktop, yeah it's missing two. However,  I don't think you'll stop at two. Smiley Tongue

Message 18 of 45
Gmood1
Super Contributor

Re: Citi Costco CLI to $36K


@AllZero wrote:

@Gmood1 wrote:

@AllZero wrote:

@Gmood1 wrote:

Awesome @Aim_High !!

Congratulations on the fantastic CLI!!


@Gmood1  Nice signature! Smiley Very Happy


@AllZero 

Thanks my friend. I forgot how much trouble it is, to set one up! lol

Jeeezzz! I won't delete it again! Way too much time goofing around with it.Smiley LOL

I'll app for two more tradelines to round it out. lmao


@Gmood1 On mobile it fits perfectly. On desktop, yeah it's missing two. However,  I don't think you'll stop at two. Smiley Tongue


You know me way too well @AllZero , way too well!!!

 

bitmoji-20200116074109.png

Message 19 of 45
Aim_High
Super Contributor

Re: Citi Costco CLI to $36K


@Wavester64 wrote:

Congrats @Aim_High on the CLI.  Smiley Happy

Question for you - you mentioned getting denied by Citi and now approved for CLI.

How long between both? I was denied for a CLI for Citi/Costco April 21st.

What would be the standard time to try again?


From my experience, with most lenders who allow Soft Pull CLI requests (including CITI), getting a denial doesn't restart the clock.  In other words, there's no waiting time and you can literally ask 100x in a week if you wanted.  (CITI, Capital One, Bank of America, Discover, ...)  I wouldn't recommend that, though!  I think they do see how often you're asking and you don't want to be a nuisance or look desperate.  Plus, odds are nothing changed to ask right away, so it would likely be another denial.  I honestly thought it hadn't been long enough (about a month since I asked) and that enough hadn't changed but I hit the button and got lucky.  I guess those "new" accounts had gotten a little older and it was enough to help. 

 

So if you know what the issue was, you can wait for that to age off.  If you don't know what the issue was, you might try again in about 30 days.  Once approved, I believe CITI's limit for another one is six months.  (*I set a reminder for November 10th! Lol)  Smiley Tongue


Business Cards


Length of Credit > 40 years; Total Credit Limits >$898K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 20 of 45
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